SoFi Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
SoFi Bank
SoFi Savings
Up to4.30%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 3.60% – 4.30%Show Fine Print & Trends Hide Details
SoFi Bank
SoFi Savings
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing SoFi Bank vs. Zynlo Bank
Why SoFi Bank?
- ✓Earn a $50 bonus with $1,000+ in direct deposits, or $300 with $5,000+.
- ✓Earn 0.50% APY on checking account with access to 55,000+ fee free ATMs
- ✓Higher potential APY (4.30% vs 4.05%) on all balances
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.0 vs 3.5)
Why Zynlo Bank?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
SoFi BankSoFi Bank's SoFi Savings earns more on smaller deposits (approx. $430 vs $405/yr).
Better Returns at $25,000
SoFi BankSoFi Bank's SoFi Savings pulls ahead with larger amounts (approx. $1075 vs $1013/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
SoFi BankSoFi Bank's SoFi Savings pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
SoFi BankSoFi Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.0 (vs. 3.5)
Shared Benefits
Over a 1-year period, SoFi Bank's SoFi Savings pays $25 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
Executive Summary
SoFi Bank offers the SoFi Savings account with a competitive APY of 4.30%, which includes a temporary 0.70% boost for six months, making it ideal for those who can set up direct deposits or opt for a $10 monthly subscription. This account is bundled with a checking account that yields 0.50% APY, enhancing its appeal for all-in-one banking. In contrast, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 4.05%, but it stands out for its simplicity, requiring only a minimum deposit of $10 and having no direct deposit or bundling requirements. Both accounts are online-only and do not charge maintenance fees.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both SoFi Bank and Zynlo Bank.
| Feature | SoFi Bank | Zynlo Bank |
|---|---|---|
| APY | 4.30% Range: 3.60% - 4.30% Verified: 12/6/2025 ↗︎ 0.50%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | SoFi Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.0 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | Limited offer: The 4.30% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY. | - |
| Next Steps |
Savings Comparison
SoFi Bank earns $162.4 more than Zynlo Bank.
SoFi Bank
SoFi Savings
Savings Breakdown
- Interest Earned+$2,629.40(12.7%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,629.40
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | SoFi Bank | Zynlo Bank |
|---|---|---|
| SoFi Savings | Tomorrow Savings Account | |
Current APY | 4.30% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | 9.3 | -2.6 |
Days Since Change | 24 | 14 |
9-Month High | 4.50% | 4.35% |
9-Month Low | 3.80% | 4.05% |
Adjustments / Mo | 0.23 | 0.23 |
Volatility Score | 0.077 | 0.022 |
How to read these metrics(Click to expand)
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